The accident does not shout when it comes – when will the casco compensate for the collision with the wild animal?

Bird damage. Photo of Gjensidige

Spring is in full swing, and so are wild animals that are more active than usual. Animal experts Mattias and Alexei Turovsky admit that the spring collisions are due to the challenging time in the lives of wild animals.

If, as a rule, the damage is indemnified by motor insurance, depending on the insurance provider, a deductible may be added in the event of a collision with a bird, livestock or domestic animal.

Terms and conditions of comprehensive insurance

Denis Nikolaev, a representative of Gjensidige Insurance, stated that the conditions of motor insurance may be quite different for insurance companies, especially with regard to the implementation or non-implementation of deductibles. These specificities should therefore be reviewed before the conclusion of the agreement. “Although the collision with a larger bird is an accident, the hull may not compensate for the damage caused without deductible. In addition, insurance providers also differentiate between the number of insured events and whether the accident occurred in a settlement or on a non-settlement road. For these reasons, it is worth carefully reviewing the terms and conditions of your motor insurance to avoid further misunderstandings, ”Nikolayev explained.

Although most vehicles collide with mammals, unfortunately birds cannot properly assess the trajectory of a high-speed vehicle. “For example, a customer has described an accident where he saw a black collection in the corner of his eye and later noticed that a small triangular hole had formed in the car window,” said a representative of Gjensidige.

Irrespective of the season, the most frequent collisions with goats are related to wild animals, and the damage usually amounts to several thousand euros, in the most unfortunate case, even the scrapping of a vehicle. “However, there are also accidents with smaller wild animals – for example, a collision with a rabbit costing almost 2,500 euros or a collision with a badger, where the amount of compensation was about 1,000 euros,” said Gjensidige’s insurance representative.

What are the causes of numerous accidents?

According to the animal experts of MTÜ Zoosemu Aleksei and Mattias Turovski, the spring period in our climate zone is the most challenging for wild animals and this in turn makes the animals move. “It’s not so much the fact that the challenges of nutrition, protection and so on are necessarily greatest in the spring, but they fall at the same time in the spring.”

According to Turovskis, in the spring the movement in the forest is well noticeable for both predators and prey animals; there is little food, which in turn forces them to travel more extensively, and due to the wedding period, a search for a couple takes place at the same time.

As a threat to drivers, Turovskis points out that the spring road is always a warmer place, which attracts both reptiles and larger and smaller mammals. “Among the mammals, sons born last year can be found on the road – for example, deer heifers, whose mother has resolutely driven the parent away when a new son arrives. A teenage heifer wanders around in confusion and is also interested in the road, and a car may seem like an interesting object to an inexperienced teenager, ”say Turovskid.

They also pay attention to birds, most of which have begun to nest and the associated increase in activity. “Hundreds of species are returning from migration, which is increasing competition for nesting sites and food. Hungry geese that have arrived in Estonia are not afraid to feed in the fields near the road, rather there is a great urge for such places. Birds still fly in flocks and can make low flights between fields. As a rule, they do not come to the roads, but they can cross the low-flying road, so in such situations it is always worthwhile for the driver to slow down so that the birds can plan their trajectories better. ”

In the event of a run-off of an animal or larger bird:

  • Turn on the hazard lights and assess the situation;
  • If people are injured in an accident, call the emergency number 112 for assistance;
  • Report a damaged or dead small game, large game or bird by calling the Alarm Centre’s state information telephone number 1247 and in case of damage abroad at 112 (intra-European emergency center number);
  • To avoid future confusion, take photos of the scene if possible;
  • In the event of an insured event, inform the insurer as soon as possible and find out how to proceed.

Source: Lääne Elu by

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